2017年托福写作模版：你愿意钱边赚边花还是存起来留以后用

　　你愿意钱边赚边花还是存起来留以后用?

　　Topic 32 Is it better to enjoy your money when you earn it or is it better to save your money for some time in the future? Use specific reasons and examples to support your opinion.

　　托福参考范文之一

　　“Save it for rainy day，” That's my motto. When I have a choice between spending my money or putting it in my savings account at the bank， I always put it in the bank. I will have a lot of expenses in the future like my education， travel， and unforeseen emergencies. I need to have money set aside for these expenses.

　　Education is expensive. I can't depend on my parents to pay all my bills. I have tuition， room and board， books， and incidental expenses to pay for. I'll try to get a scholarship to cover some ofthese costs， but I know I will be responsible for a lot of the expenses. If I spend my money now， I won't be able to pay for my education. I need to save money for my education.

　　Travel is also very expensive. I don't mean vacation travel. I mean travel to get to and from school. Transpacific airfare costs a lot even special reduced fares. I first have to get to school and then， of course， I want to return to my family for important festivals and occasions. Going back and forth will be costly， but worth it. I need to save money for these trips.

　　Emergencies could arrive at any moment. I might have an unexpected illness while I am at school. There might be costs that aren't covered by the school insurance. One of my family members may need help. I will have to send them money. You can't predict emergencies like this， but you can be prepared. I need to save money for these emergencies.

　　When you are not rich， you cannot spend your money carelessly. You must plan ahead. I know in my life， I will have expenses for my schooling and for traveling to and from my home. I know that I will also have unexpected expenses related to unforeseen emergencies. I must be prepared. I need to save money for these events.

　　托福参考范文之二

　　When faced with the decision of saving your money for some time in the future or enjoying your money when you earn it， quite a few would claim to enjoy their money， but others， in contrast， deem to save their money as the premier choice and that is also my point. This quite different view is based on the every possible reason.

　　Fore most reason for saving the money for future use is when you need a lot of money to deal with some emergent things that happen to you， you should not worry about the fund or lend some money everywhere at that time. For example， two years ago， I spend my summer holiday in a famous scenery pot， after a wonderful trip of the first day， I lost my wallet unconsciously， then I took out some money in the bank to finish the trip. If you did not have some deposit， you can imagine how embarrassed you are.

　　Second， I have finished my college study， and I am going to go abroad to get a master degree to enhance the ability to face the challenge in the society. Plenty of money is very important to me， so I have to save all the money that I economized for future use.

　　Third， the economy condition of my family is not so good that I decide to earn enough money to buy a big house for my deeply loving parents.

　　This is arbitrary to judge saving money for future use according only to the excuse I mentioned in the above paragraph. But I do not deny that enjoying the life is also important to everyone because of brief life. That is to say， I will enjoy my money if I deposit enough.